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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $104,080 | $180,459-42.3% | $154,108-32.5% | $135,380-23.1% |
| Participation rate | 89.5% | 87.4%+2.0pp | 83.0%+6.4pp | 82.6%+6.8pp |
| Annual return | -10.52% | 888.21%-898.7pp | 735.21%-745.7pp | 519.81%-530.3pp |
| Employer contribution / active EE | $14,871 | $6,035+146.4% | $5,298+180.7% | $4,779+211.2% |
| Participant deferral / active EE | $14,263 | $5,806+145.6% | $5,081+180.7% | $5,609+154.3% |
| Admin fee / account holder | $4,155 | $16,145-74.3% | $13,411-69.0% | $10,828-61.6% |